We have regular medicare and AARP(UHC) Plan J (which is no longer available). Only bill we have ever seen was for $72. I was a surgical patient at Mayo for over two years and they do not accept the Medicare payment schedule, but my Plan J picked up all but the $72. Costs us a little over $300 a month, necessary evil, and great peace of mind.
IMHO health care costs are just another gamble - (will you get sick), like the stock market - (will it tank), how much risk are you prepared to take!
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